Thank you for the advice. The more we think about it, the less it is a numbers game and the more it is an opportunity one. In defense of our advisor, I prompted with the question, "What can we do that would be just like a 401k?" HOWEVER, this is not the first time I am questioning his helpfulness here and his involvement with our $$$ (I Jan, he told us 11k was the limit for 401k's. I think he was very helpful when our $$$ knowledge and time were limited, now that we have been reading and learning, might be time to get into Vanguard or something similar when we roll over his existing 401 to a Trad IRA. Scary waters though!

One thing DH pointed out, is that he is only limited in contribution for the remainder of 2006. When he starts off again in 04/2007, he can just divide the 15k (or whatever it is then) by the remaining number of paychecks. In the meantime, I think we are going to beef up the e-fund (currently at 3 mos) and pay down the mortgage more.